Search found 1022 matches

by Tdubs
Thu Feb 20, 2020 9:54 pm
Forum: Personal Consumer Issues
Topic: Seattle with the Family
Replies: 15
Views: 1437

Re: Seattle with the Family

Go see the troll.
by Tdubs
Thu Feb 20, 2020 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Basic HSA question
Replies: 14
Views: 1349

Re: Basic HSA question

Keeping receipts is a pain, but I do it to give me options. None of us really have a good idea what our medical bills will be. Our predictions are about as accurate as market predictions.
by Tdubs
Thu Feb 20, 2020 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Exiting all of our Chase Bank Accounts
Replies: 11
Views: 1974

Re: Exiting all of our Chase Bank Accounts

Why move the mortgage?
by Tdubs
Thu Feb 20, 2020 6:36 pm
Forum: Investing - Theory, News & General
Topic: Are Bond Yields Accurately Forecasting Future Inflation?
Replies: 43
Views: 2900

Re: Are Bond Yields Accurately Forecasting Future Inflation?

On a happier note, we could say that 10-year bonds almost always beat inflation
by Tdubs
Thu Feb 20, 2020 12:33 pm
Forum: Personal Investments
Topic: Where to invest emergency fund?
Replies: 27
Views: 2399

Re: Where to invest emergency fund?

Ally no-penalty CDs.
by Tdubs
Wed Feb 19, 2020 10:26 pm
Forum: Personal Investments
Topic: Can someone help me understand Medicare A and B
Replies: 11
Views: 765

Re: Can someone help me understand Medicare A and B

Sounds like you need a basic primer on Medicare. Perhaps start here:

https://www.kff.org/medicare/report/a-p ... it-covers/
by Tdubs
Wed Feb 19, 2020 9:10 pm
Forum: Personal Investments
Topic: Current financial life as low income earners. Please advise
Replies: 21
Views: 2634

Re: Current financial life as low income earners. Please advise

Questions: 1. What should we be doing financially that we are not currently? I don't feel like we are anywhere near where we should be for our age. Please advise if you are willing to take the time. Emergency funds: Two months worth in Ally savings high yield account. Want to get it up to 4-5 month...
by Tdubs
Wed Feb 19, 2020 5:59 pm
Forum: Personal Consumer Issues
Topic: Potential sue - Loss of money
Replies: 128
Views: 12405

Re: Potential sue - Loss of money

Trust me, ignoring people is the most powerful negotiating tactic in the world. He will go away. No judge is going to make you tear down a very nice structure. Let him exhaust all his money and energy trying to sue you. He will not get anywhere or give up if you just simply do nothing and ignore it...
by Tdubs
Tue Feb 18, 2020 7:57 pm
Forum: Personal Consumer Issues
Topic: Perform own oil change pros & cons?
Replies: 224
Views: 11333

Re: Perform own oil change pros & cons?

$113 for an oil change? Where do you live? I can get it for less than $50 without breaking a sweat--$25 at AAA.

If they charge for it, most tire rotations are unnecessary padding of the bill.
by Tdubs
Mon Feb 17, 2020 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone else wanted a mind map of their financial accounts?
Replies: 27
Views: 2040

Re: Has anyone else wanted a mind map of their financial accounts?

Regarding item #3. Folks are nervous about security at sites like Mint and Personal Capital that aggregates your financial information. Do you really want one that has the power to make major financial decisions across multiple institutions?
by Tdubs
Mon Feb 17, 2020 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Risky Financial Decisions You’ve Made in the Past
Replies: 49
Views: 3589

Re: Risky Financial Decisions You’ve Made in the Past

Left engineering to pursue a Ph.D. in a humanities field. Out of the workforce for 8 years--almost no contribution to IRA, 401k, or SSA. Faculty position I landed paid much less, good 403b but proportional to new lower salary. Still trying to build up my retirement funds as I approach retirement age...
by Tdubs
Mon Feb 17, 2020 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Personal Capital and Ally Bank
Replies: 45
Views: 6045

Re: Personal Capital and Ally Bank

I went to Personal Capital this morning to take down my Ally accounts, but instead I got a two-factor authentication request and it worked! PC updated all my Ally accounts without a hitch.
by Tdubs
Wed Feb 12, 2020 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Where to leave money when we die
Replies: 68
Views: 5366

Re: Where to leave money when we die

There are so many worthy causes, but I recommend against a unique scholarship. A) A pain to administer--someone has to pick the worthy candidate. B) No one applies. A stunning lesson I learned as a professor, students don't bother applying for scholarships. My department had a full-year tuition scho...
by Tdubs
Wed Feb 12, 2020 12:36 pm
Forum: Personal Investments
Topic: Question on Ameritrade for HSA Investment Portion
Replies: 4
Views: 251

Re: Question on Ameritrade for HSA Investment Portion

If you ask Ameritrade to sort ETFs by expenses, you will find lots of good low-cost funds like VTI, VWO, and the like.
by Tdubs
Tue Feb 11, 2020 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Capital and Ally Bank
Replies: 45
Views: 6045

Re: Personal Capital and Ally Bank

Still no resolution. May be time to cut the cord on PC.
by Tdubs
Tue Feb 11, 2020 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Employer refuses to put holiday gift on W-2
Replies: 60
Views: 5251

Re: Employer refuses to put holiday gift on W-2

You are absolutely right about the W-2, but do you want everyone at your company to hate you?
by Tdubs
Thu Feb 06, 2020 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Question for feds re MRA+10 and Temporary Continuation of Coverage
Replies: 1
Views: 185

Re: Question for feds re MRA+10 and Temporary Continuation of Coverage

Can't someone in your personnel office verify that? I wouldn't do anything like this without their assurances.
by Tdubs
Thu Feb 06, 2020 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: FreeTaxUSA first-time user
Replies: 9
Views: 700

Re: FreeTaxUSA first-time user

I've used it for a couple years. No complaints. Federal is indeed free. They bet that by the time you get to the state forms, you will be too tired and will just pay pay them to do it. In my case, they made the right bet.
by Tdubs
Tue Feb 04, 2020 5:41 pm
Forum: Personal Consumer Issues
Topic: Parents' would like fabulous 80th birthday family trip
Replies: 33
Views: 3598

Re: Parents' would like fabulous 80th birthday family trip

Given how you describe your father, a cruise. All the other options sound really risky and will force him to keep up even when he can't. If needed, he can lounge on the boat if he isn't up for that day's excursion.
by Tdubs
Sat Feb 01, 2020 2:18 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey: Foundations In Personal Finance (High School)
Replies: 40
Views: 4491

Re: Dave Ramsey: Foundations In Personal Finance (High School)

I make well over 1K every year on CC rewards alone... Ditto. I was anti-credit card for a long time due to having to learn the hard way as a young man. But then I discovered the Fidelity 2% cash back and I have been baptized in the spirit. I pay the statement balance every month (not the total). No...
by Tdubs
Fri Jan 31, 2020 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Experience with Silverbills bill paying service?
Replies: 3
Views: 370

Re: Experience with Silverbills bill paying service?

Please take a look at feedback on a prior thread for Silverbills. It sounds pretty pricey to me. https://www.bogleheads.org/forum/viewtopic.php?t=244311 Cheers Yes, looked at this thread. Lots of advice against it, but it didn't seem like anyone had real experience with the service. I was hoping th...
by Tdubs
Fri Jan 31, 2020 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Experience with Silverbills bill paying service?
Replies: 3
Views: 370

Experience with Silverbills bill paying service?

Anyone here have experience with Silverbills, a bill paying service aimed at the elderly? It has been around since about 2016.
by Tdubs
Fri Jan 31, 2020 10:23 am
Forum: Personal Investments
Topic: 3 Bucket Strategy
Replies: 33
Views: 3049

Re: 3 Bucket Strategy

You are going to find BHers are highly critical of bucket strategies if you are using it for anything other than basic mental accounting. Research shows it does not save you from sequence of return risk. http://web.archive.org/web/20150320005214/http://www.ifid.ca:80/pdf_newsletters/PFA_2006OCT_Buck...
by Tdubs
Fri Jan 31, 2020 10:11 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey: Foundations In Personal Finance (High School)
Replies: 40
Views: 4491

Re: Dave Ramsey: Foundations In Personal Finance (High School)

Curious if there is any evidence the DR course works. There are studies indicating that HS financial literacy courses are a waste of time.

Is there any proven success with his approach?
by Tdubs
Thu Jan 30, 2020 10:09 pm
Forum: Personal Consumer Issues
Topic: When do you replace water heater?
Replies: 29
Views: 2414

Re: When do you replace water heater?

Replace your anode and cross your fingers.
by Tdubs
Wed Jan 29, 2020 8:48 pm
Forum: Personal Investments
Topic: TIAA Real Estate
Replies: 21
Views: 929

Re: TIAA Real Estate

There might be a way of increasing your holdings of TREA. Do you have an RA account with TIAA? If so, you can invest in TREA outside your 403b in an after tax retirement annuity (ATRA). Sorry, what is an RA account? also, it is a 401a and not a 403b which I understand are very very similar. An RA i...
by Tdubs
Wed Jan 29, 2020 8:43 pm
Forum: Personal Investments
Topic: TIAA Real Estate
Replies: 21
Views: 929

Re: TIAA Real Estate

There might be a way of increasing your holdings of TREA. Do you have an RA account with TIAA? If so, you can invest in TREA outside your 403b in an after tax retirement annuity (ATRA). Sorry, what is an RA account? also, it is a 401a and not a 403b which I understand are very very similar. An RA i...
by Tdubs
Wed Jan 29, 2020 8:06 pm
Forum: Personal Investments
Topic: TIAA Real Estate
Replies: 21
Views: 929

Re: TIAA Real Estate

There might be a way of increasing your holdings of TREA. Do you have an RA account with TIAA? If so, you can invest in TREA outside your 403b in an after tax retirement annuity (ATRA). Sorry, what is an RA account? also, it is a 401a and not a 403b which I understand are very very similar. An RA i...
by Tdubs
Wed Jan 29, 2020 7:25 pm
Forum: Personal Investments
Topic: TIAA Real Estate
Replies: 21
Views: 929

Re: TIAA Real Estate

There might be a way of increasing your holdings of TREA. Do you have an RA account with TIAA? If so, you can invest in TREA outside your 403b in an after tax retirement annuity (ATRA).
by Tdubs
Tue Jan 28, 2020 9:38 pm
Forum: Investing - Theory, News & General
Topic: The Demise of the 4 Percent Rule? -- Wade Pfau
Replies: 179
Views: 14959

Re: The Demise of the 4 Percent Rule? -- Wade Pfau

Here’s another paper where Wade Pfau acknowledges that few clients of an investment advisor would ever cling to the absolute safe withdrawal rate. In this paper Pfau reviews ten different variable withdrawal rates. https://papers.ssrn.com/sol3/papers.cfm ... id=2579123 I think it would be incorrect...
by Tdubs
Tue Jan 28, 2020 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: $3 million the new rule of thumb?
Replies: 653
Views: 50874

Re: $3 million the new rule of thumb?

I'm not even 40 years old yet, and I believe that a portfolio of $3M in today's dollars could very well last me the rest of my life if I had it today. So I don't think the average person needs it to retire at a traditional time. Same here. I'm planning on a 40-45 year retirement, and I'd be quite h...
by Tdubs
Sun Jan 26, 2020 8:28 am
Forum: Non-US Investing
Topic: [Non-US] What makes iShares so popular? How much does that matter?
Replies: 31
Views: 4587

Re: What makes iShares so popular? How much does that matter?

That raises another interesting topic that could be discussed... why does Vanguard follow FTSE indices for their benchmark whereas State Street/SPDR and BlackRock/iShares follow MSCI for their benchmarks? Does that matter much? FTSE charges less than MSCI for its indexes. Vanguard tracked the MSCI ...
by Tdubs
Thu Jan 23, 2020 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Career Thoughts - Taking a large pay cut
Replies: 39
Views: 3311

Re: Career Thoughts - Taking a large pay cut

What city in the midwest? Are Portland and Boston the only places you have lived? If so, I don't know that you can adapt to the midwest. I've managed to like wherever I have lived. East coast, mid-Atlantic, Berkeley, CA, inland PNW, Toledo, OH. Midwest cities have much to offer, you have to find the...
by Tdubs
Thu Jan 23, 2020 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Capital and Ally Bank
Replies: 45
Views: 6045

Re: Personal Capital and Ally Bank

Ah, so it isn't just me.
by Tdubs
Tue Jan 21, 2020 5:45 pm
Forum: Personal Investments
Topic: Best 401k Administrator for small company?
Replies: 9
Views: 584

Re: Best 401k Administrator for small company?

Unless they are Bogleheads, I'm guessing that your former co-workers will care more about customer service than low fees.
by Tdubs
Sun Jan 19, 2020 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Should I use Turbo Tax?
Replies: 22
Views: 2206

Re: Should I use Turbo Tax?

aristotelian wrote:
Sat Jan 18, 2020 11:47 am
Try FreetaxUSA first.
+1
by Tdubs
Sun Jan 19, 2020 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Why retire?
Replies: 267
Views: 16950

Re: Why retire?

This has been discussed in other threads, but there may be another reason. There is some evidence that those who retire earlier live longer. There were articles about people dying soon after retiring. But the causes and effects in the data used in these articles were unclear. Some people were retir...
by Tdubs
Sun Jan 19, 2020 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Why retire?
Replies: 267
Views: 16950

Re: Why retire?

This has been discussed in other threads, but there may be another reason. There is some evidence that those who retire earlier live longer.
by Tdubs
Sun Jan 19, 2020 8:05 am
Forum: Personal Finance (Not Investing)
Topic: My 60 y/o parents have basically 0 for retirement & will have no SS/Medicare
Replies: 166
Views: 17198

Re: My 60 y/o parents have basically 0 for retirement & will have no SS/Medicare

get credit reports on both of them. and yourself. I also think freezing your credit is a good idea. it's not too late for both of them to work long enough to qualify for medicare and social security. That is the one thing I'd do. Get your mother to find a job and establish a work history enough for...
by Tdubs
Sun Jan 19, 2020 12:55 am
Forum: Personal Finance (Not Investing)
Topic: Why retire?
Replies: 267
Views: 16950

Re: Why retire?

When your spouse has a major health event that makes you wonder "how much time do we really have left?"
by Tdubs
Fri Jan 17, 2020 1:41 am
Forum: Personal Investments
Topic: Best Thrift Savings Plan (TSP) book or resource?
Replies: 14
Views: 1110

Re: Best Thrift Savings Plan (TSP) book or resource?

I'm a fairly new federal employee and I'm looking for a good resource to understand the ins and outs of the federal Thrift Savings Plan, or TSP. The Bogleheads TSP Wiki has some great information (https://www.bogleheads.org/wiki/Thrift_Savings_Plan), but I'm seeking more. There are a lot of rules a...
by Tdubs
Sat Jan 11, 2020 10:49 pm
Forum: Personal Investments
Topic: Math/MS Access question
Replies: 12
Views: 913

Re: Math/MS Access question

InvestmentName, SumOfDollarAmt, SumOfSharesTrans, AvgSharePrice Vanguard S&P 500, $33,062.15, 293.84, $116.08 But if you simply divide (33,062.15)/(293.15) = 112.78 This doesn't explain the $4 difference, but why are the shares 293.84 on the first line but 293.15 on the second? I'd agree with the e...
by Tdubs
Wed Jan 08, 2020 9:36 pm
Forum: Investing - Theory, News & General
Topic: In my opinion, Best Overall Retirement Article
Replies: 95
Views: 11164

Re: In my opinion, Best Overall Retirement Article

+1! Utter Hallmark crap. Based on what? Generations of students with 100s of k in debt and useless degrees? Musicians on the street? Bohemian "artists" sharing apartments? Etc. Average student debt is $33k. That's a lot of money if you make 40k from your "passion". But average has nothing to do wit...
by Tdubs
Wed Jan 08, 2020 9:04 pm
Forum: Investing - Theory, News & General
Topic: In my opinion, Best Overall Retirement Article
Replies: 95
Views: 11164

Re: In my opinion, Best Overall Retirement Article

This. “Do what you love and the money will follow” is the biggest sham lie told to an entire generation, and I wish people would stop pushing this nonsense. +1! Utter Hallmark crap. Based on what? Based on the fact that money often does not follow when one does what one loves. Are you asking a seri...
by Tdubs
Wed Jan 08, 2020 8:59 pm
Forum: Investing - Theory, News & General
Topic: In my opinion, Best Overall Retirement Article
Replies: 95
Views: 11164

Re: In my opinion, Best Overall Retirement Article

This. “Do what you love and the money will follow” is the biggest sham lie told to an entire generation, and I wish people would stop pushing this nonsense. +1! Utter Hallmark crap. Based on what? Generations of students with 100s of k in debt and useless degrees? Musicians on the street? Bohemian ...
by Tdubs
Tue Jan 07, 2020 9:39 pm
Forum: Investing - Theory, News & General
Topic: In my opinion, Best Overall Retirement Article
Replies: 95
Views: 11164

Re: In my opinion, Best Overall Retirement Article

I find points #3 and #6 in direct conflict. #3. Stay resilient, flexible, and plan on working until you no longer have the ability to work. #6. And the most important suggestion of all – take care of your health. Once that is gone, it is hard to get health back, and not much else really matters. Wh...
by Tdubs
Tue Jan 07, 2020 9:37 pm
Forum: Investing - Theory, News & General
Topic: In my opinion, Best Overall Retirement Article
Replies: 95
Views: 11164

Re: In my opinion, Best Overall Retirement Article

Godot wrote:
Tue Jan 07, 2020 9:21 pm
mrspock wrote:
Tue Jan 07, 2020 5:26 pm
azanon wrote:
Tue Jan 07, 2020 4:38 pm
This. “Do what you love and the money will follow” is the biggest sham lie told to an entire generation, and I wish people would stop pushing this nonsense.
+1! Utter Hallmark crap.
Based on what?
by Tdubs
Tue Jan 07, 2020 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Living in a HCOL and making a middle class salary is a struggle
Replies: 340
Views: 20694

Re: Living in a HCOL and making a middle class salary is a struggle

Used to ask my students whether their families were poor, middle class, or wealthy. In 15 years, maybe three said poor. One said wealthy. Most were from the Seattle suburbs.

They always looked dumbfounded when I told them what US median household income was, and what put you in the top 5 percent.